The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AB ACTIVE ETFS INC INTL LOW VOLATLT 00039J822   987,979 28,990 SH   SOLE 0 0 0 28,990
AB ACTIVE ETFS INC SHORT DURATION H 00039J830   1,079,018 30,250 SH   SOLE 0 0 0 30,250
ALPHABET INC CAP STK CL C 02079K107   1,748,430 9,181 SH   SOLE 0 0 0 9,181
ALPHABET INC CAP STK CL A 02079K305   1,256,384 6,637 SH   SOLE 0 0 0 6,637
AMAZON COM INC COM 023135106   2,319,172 10,571 SH   SOLE 0 0 0 10,571
APPLE INC COM 037833100   4,879,935 19,487 SH   SOLE 0 0 0 19,487
ASML HOLDING N V N Y REGISTRY SHS N07059210   233,568 337 SH   SOLE 0 0 0 337
ATYR PHARMA INC COM NEW 002120202   36,200 10,000 SH   SOLE 0 0 0 10,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   213,042 470 SH   SOLE 0 0 0 470
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   695,768 13,375 SH   SOLE 0 0 0 13,375
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   827,893 16,154 SH   SOLE 0 0 0 16,154
BLACKROCK INC COM 09290D101   260,378 254 SH   SOLE 0 0 0 254
CBRE GBL REAL ESTATE INC FD COM 12504G100   97,018 20,170 SH   SOLE 0 0 0 20,170
CEMEX SAB DE CV SPON ADR NEW 151290889   343,194 60,850 SH   SOLE 0 0 0 60,850
THE CIGNA GROUP COM 125523100   207,657 752 SH   SOLE 0 0 0 752
CITIGROUP INC COM NEW 172967424   235,455 3,345 SH   SOLE 0 0 0 3,345
CLEAN ENERGY FUELS CORP COM 184499101   50,200 20,000 SH   SOLE 0 0 0 20,000
DISNEY WALT CO COM 254687106   276,816 2,486 SH   SOLE 0 0 0 2,486
DURECT CORP COM NEW 266605500   14,250 19,000 SH   SOLE 0 0 0 19,000
EXXON MOBIL CORP COM 30231G102   459,324 4,270 SH   SOLE 0 0 0 4,270
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   739,108 7,397 SH   SOLE 0 0 0 7,397
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109   254,999 3,445 SH   SOLE 0 0 0 3,445
INNOVATOR ETFS TRUST GRWT100 PWR BUF 45782C276   407,819 6,496 SH   SOLE 0 0 0 6,496
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C839   409,798 11,880 SH   SOLE 0 0 0 11,880
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,515,602 14,356 SH   SOLE 0 0 0 14,356
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142   297,963 4,529 SH   SOLE 0 0 0 4,529
INVESCO QQQ TR UNIT SER 1 46090E103   3,409,393 6,669 SH   SOLE 0 0 0 6,669
ISHARES GOLD TR ISHARES NEW 464285204   1,051,790 21,244 SH   SOLE 0 0 0 21,244
ISHARES INC CORE MSCI EMKT 46434G103   964,660 18,473 SH   SOLE 0 0 0 18,473
ISHARES INC MSCI EMRG CHN 46434G764   317,008 5,717 SH   SOLE 0 0 0 5,717
ISHARES INC MSCI EMERG MRKT 464286533   320,279 5,523 SH   SOLE 0 0 0 5,523
ISHARES INC MSCI JPN ETF NEW 46434G822   1,412,656 21,053 SH   SOLE 0 0 0 21,053
ISHARES TR 0-5YR HI YL CP 46434V407   939,380 22,046 SH   SOLE 0 0 0 22,046
ISHARES TR 0-5YR INVT GR CP 46434V100   5,759,295 115,788 SH   SOLE 0 0 0 115,788
ISHARES TR 10-20 YR TRS ETF 464288653   202,763 2,037 SH   SOLE 0 0 0 2,037
ISHARES TR 1 3 YR TREAS BD 464287457   7,337,046 89,498 SH   SOLE 0 0 0 89,498
ISHARES TR 20 YR TR BD ETF 464287432   561,008 6,424 SH   SOLE 0 0 0 6,424
ISHARES TR USD INV GRDE ETF 464288620   573,846 11,413 SH   SOLE 0 0 0 11,413
ISHARES TR CONV BD ETF 46435G102   220,752 2,598 SH   SOLE 0 0 0 2,598
ISHARES TR CORE DIV GRWTH 46434V621   420,424 6,854 SH   SOLE 0 0 0 6,854
ISHARES TR CORE S&P500 ETF 464287200   3,267,763 5,551 SH   SOLE 0 0 0 5,551
ISHARES TR CORE S&P SCP ETF 464287804   690,283 5,991 SH   SOLE 0 0 0 5,991
ISHARES TR CORE TOTAL USD 46434V613   3,634,803 80,416 SH   SOLE 0 0 0 80,416
ISHARES TR ESG AWR MSCI USA 46435G425   332,227 2,579 SH   SOLE 0 0 0 2,579
ISHARES TR HIGH YLD SYSTM B 46435G250   215,541 4,585 SH   SOLE 0 0 0 4,585
ISHARES TR IBONDS DEC25 ETF 46434VBD1   4,554,240 181,806 SH   SOLE 0 0 0 181,806
ISHARES TR IBONDS 25 TRM TS 46436E866   206,732 8,865 SH   SOLE 0 0 0 8,865
ISHARES TR IBONDS DEC2026 46435GAA0   427,122 17,745 SH   SOLE 0 0 0 17,745
ISHARES TR IBONDS 27 ETF 46435UAA9   495,085 20,663 SH   SOLE 0 0 0 20,663
ISHARES TR IBONDS DEC 26 46435U259   276,317 10,853 SH   SOLE 0 0 0 10,853
ISHARES TR IBOXX INV CP ETF 464287242   2,300,799 21,535 SH   SOLE 0 0 0 21,535
ISHARES TR INTL SEL DIV ETF 464288448   331,380 12,103 SH   SOLE 0 0 0 12,103
ISHARES TR 0-3 MNTH TREASRY 46436E718   2,055,156 20,486 SH   SOLE 0 0 0 20,486
ISHARES TR ULTRA SHORT-TERM 46434V878   437,077 8,667 SH   SOLE 0 0 0 8,667
ISHARES TR JPMORGAN USD EMG 464288281   1,434,523 16,111 SH   SOLE 0 0 0 16,111
ISHARES TR MBS ETF 464288588   1,145,542 12,495 SH   SOLE 0 0 0 12,495
ISHARES TR EAFE GRWTH ETF 464288885   771,348 7,966 SH   SOLE 0 0 0 7,966
ISHARES TR EAFE VALUE ETF 464288877   783,272 14,928 SH   SOLE 0 0 0 14,928
ISHARES TR MSCI USA MIN VOL 46429B697   759,954 8,559 SH   SOLE 0 0 0 8,559
ISHARES TR MSCI USA MMENTM 46432F396   1,186,065 5,732 SH   SOLE 0 0 0 5,732
ISHARES TR MSCI USA QLT FCT 46432F339   3,934,500 22,094 SH   SOLE 0 0 0 22,094
ISHARES TR MSCI USA VALUE 46432F388   273,530 2,590 SH   SOLE 0 0 0 2,590
ISHARES TR S&P 500 GRWT ETF 464287309   3,338,509 32,882 SH   SOLE 0 0 0 32,882
ISHARES TR S&P 500 VAL ETF 464287408   464,411 2,433 SH   SOLE 0 0 0 2,433
ISHARES TR SELECT DIVID ETF 464287168   1,044,675 7,957 SH   SOLE 0 0 0 7,957
ISHARES TR SHORT TREAS BD 464288679   10,523,983 95,577 SH   SOLE 0 0 0 95,577
ISHARES TR US HLTHCARE ETF 464287762   411,095 7,055 SH   SOLE 0 0 0 7,055
ISHARES TR U.S. TECH ETF 464287721   940,211 5,894 SH   SOLE 0 0 0 5,894
ISHARES TR US TREAS BD ETF 46429B267   881,306 38,351 SH   SOLE 0 0 0 38,351
JOHNSON & JOHNSON COM 478160104   224,161 1,550 SH   SOLE 0 0 0 1,550
JPMORGAN CHASE & CO. COM 46625H100   512,740 2,139 SH   SOLE 0 0 0 2,139
MASTERCARD INCORPORATED CL A 57636Q104   729,299 1,385 SH   SOLE 0 0 0 1,385
MERCK & CO INC COM 58933Y105   214,081 2,152 SH   SOLE 0 0 0 2,152
META PLATFORMS INC CL A 30303M102   1,125,350 1,922 SH   SOLE 0 0 0 1,922
MICRON TECHNOLOGY INC COM 595112103   327,972 3,897 SH   SOLE 0 0 0 3,897
MICROSOFT CORP COM 594918104   1,543,112 3,661 SH   SOLE 0 0 0 3,661
MICROSTRATEGY INC CL A NEW 594972408   219,822 759 SH   SOLE 0 0 0 759
NETFLIX INC COM 64110L106   409,116 459 SH   SOLE 0 0 0 459
NVIDIA CORPORATION COM 67066G104   1,308,522 9,744 SH   SOLE 0 0 0 9,744
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   696,259 6,939 SH   SOLE 0 0 0 6,939
SALESFORCE INC COM 79466L302   233,028 697 SH   SOLE 0 0 0 697
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   451,982 9,352 SH   SOLE 0 0 0 9,352
SELECT SECTOR SPDR TR INDL 81369Y704   273,929 2,079 SH   SOLE 0 0 0 2,079
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,401,371 18,929 SH   SOLE 0 0 0 18,929
SERVICENOW INC COM 81762P102   212,024 200 SH   SOLE 0 0 0 200
SPDR GOLD TR GOLD SHS 78463V107   223,002 921 SH   SOLE 0 0 0 921
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,042,046 8,603 SH   SOLE 0 0 0 8,603
SPDR SER TR BLOOMBERG HIGH Y 78468R622   292,520 3,064 SH   SOLE 0 0 0 3,064
SPDR SER TR PORT MTG BK ETF 78464A383   475,027 22,043 SH   SOLE 0 0 0 22,043
SPDR SER TR PRTFLO S&P500 HI 78468R788   233,410 5,398 SH   SOLE 0 0 0 5,398
SUNRUN INC COM 86771W105   95,784 10,355 SH   SOLE 0 0 0 10,355
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   228,693 1,158 SH   SOLE 0 0 0 1,158
TESLA INC COM 88160R101   396,167 981 SH   SOLE 0 0 0 981
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,339,506 27,309 SH   SOLE 0 0 0 27,309
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,854,584 3,442 SH   SOLE 0 0 0 3,442
VANGUARD INDEX FDS TOTAL STK MKT 922908769   226,052 780 SH   SOLE 0 0 0 780
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   216,488 2,697 SH   SOLE 0 0 0 2,697
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   374,035 1,910 SH   SOLE 0 0 0 1,910
VISA INC COM CL A 92826C839   1,196,843 3,787 SH   SOLE 0 0 0 3,787
WALMART INC COM 931142103   502,617 5,563 SH   SOLE 0 0 0 5,563
WISDOMTREE TR INDIA ERNGS FD 97717W422   294,436 6,504 SH   SOLE 0 0 0 6,504
WISDOMTREE TR US LARGECAP FUND 97717W588   309,448 5,058 SH   SOLE 0 0 0 5,058
WISDOMTREE TR YIELD ENHANCD US 97717X511   869,559 20,260 SH   SOLE 0 0 0 20,260